The classic moral hazard problem is the problem that you give fire insurance on a house and someone burns down the house in order to collect the insurance.

有个经典的道德风险的例子就是,给一栋房子投保了火险,有人就可能会烧了这栋房子,以获得保险赔付

耶鲁公开课 - 金融市场课程节选

You drive your car in, it shows you by the arrows where you go, you stop at window one to make your order and pay, and then you go to window two to collect your food, and they're open twenty-four hours.

你开车进来,沿着箭头指示,直到第一个窗口停下,点单,付账,再开到第二个窗口领取食物,他们是二十四小时营业的

耶鲁公开课 - 关于食物的心理学、生物学和政治学课程节选